| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC | PO BOX 1240 MATTHEWS, NC 28106 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.79% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC | PO BOX 1240 MATTHEWS, NC 28106 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.02% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC | PO BOX 1240 MATTHEWS, NC 28106 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.59% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC | PO BOX 1240 MATTHEWS, NC 28106 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.87% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES INC | 2425 CROWN POINT EXECUTIVE DRIVE CHARLOTTE, NC 28227 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 782 | $160K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 245 | $66K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 294 | $87K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 606 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.